Statutes and regulations

Bank-Provided Account Aggregation Services: Guidance to Banks

OCC Bulletin 2001-12 · Federal · Agency guidance

OCC Bulletins › Bank-Provided Account Aggregation Services: Guidance to Banks

If the integrity of the data is compromised or if the data is not current, the customer could receive erroneous or dated information, which could adversely affect customer decision making. … If the integrity of the data is compromised or if the data is not current, the customer could receive erroneous or dated information, which could adversely affect customer decision making.

Subprime Lending

SR 01-4 (GEN) · Federal · Agency guidance

Federal Reserve SR/CA Letters › Subprime Lending

The Agencies may also apply these guidelines to certain smaller subprime portfolios, such as those experiencing rapid growth or adverse performance trends, those administered by inexperienced management … When default occurs, the lender forecloses or otherwise takes possession of the borrower’s property (generally the borrower’s home or automobile).

Risk Management of Financial Derivatives and Bank Trading Activities – Supplemental Guidance

OCC Bulletin 1999-2 · Federal · Agency guidance

OCC Bulletins › Risk Management of Financial Derivatives and Bank Trading Activities – Supplemental Guidance

As a result, the consequences of the decisions to stray from normal credit administration processes were adverse from both a financial and reputation perspective. … Corporate Risk Oversight Risk oversight functions must possess independence, authority, expertise, and corporate stature.

Criminal Discovery

Justice Manual § 9-5.002 · Federal · Agency guidance

Agency Guidance › DOJ Justice Manual › Title 9: Criminal › 9-5.000 - Issues Related To Discovery, Trials, And Other Proceedings › Justice Manual § 9-5.002

These policies are intended to establish a methodical approach to consideration of discovery obligations that prosecutors should follow in every case to avoid lapses that can result in consequences adverse … Potential Giglio Information Relating to Non-Law Enforcement Witnesses and Fed.R.Evid. 806 Declarants : All potential Giglio information known by or in the possession of the prosecution team relating to

Greektown Casino (07-CA-245136)

NLRB Division of Advice Memorandum, Case No. 07-CA-245136 (Greektown Casino) · Federal · Agency guidance

NLRB Division of Advice Memoranda (rolling 10-year window) › Greektown Casino (07-CA-245136)

Generally, parties have a common law duty to preserve evidence within their “possession, custody, or control” that is potentially relevant to “specific, predictable, and identifiable litigation.”4 For … whether the information was relevant to the party’s duty as collective-bargaining representative and not whether the underlying issue that spawned the request has merit, we do not suggest that any adverse

Consumer Debt Sales: Risk Management Guidance

OCC Bulletin 2014-37 · Federal · Agency guidance

OCC Bulletins › Consumer Debt Sales: Risk Management Guidance

Strategic risk is the risk to earnings or capital arising from adverse business decisions or improper implementation of those decisions. … information about the debt-buyer’s principals, and (3) monitoring the bank’s complaints for any potential adverse treatment of consumers by the debt buyer.

Policy Statement Establishing Factors the Commission Will Consider in Evaluating Whether A Proposed Merger is Consistent With the Public Interest

77 FERC ¶ 61,263 · Federal · Agency guidance

FERC Policy Statements › Policy Statement Establishing Factors the Commission Will Consider in Evaluating Whether A Proposed Merger is Consistent With the Public Interest

As discussed below, if we find that a merger will have an adverse effect on competition, and if the additional factors examined do not mitigate or counterbalance the adverse competitive effects of the … The ISO would have access to more information than does the Commission and would possess greater technical expertise to assess problems.

Insurance Statutory Provisions Contained in the 2009-2011 Wisconsin State Budget - 2009 Wisconsin Act 28

WI OCI Bulletin (2009-07-24) · Wisconsin · Agency guidance

Wisconsin Office of the Commissioner of Insurance Bulletins › Insurance Statutory Provisions Contained in the 2009-2011 Wisconsin State Budget - 2009 Wisconsin Act 28

No person may operate a motor vehicle unless the person, while operating the vehicle, has in his or her immediate possession proof of motor vehicle liability insurance. … rescissions of a policy or certificate, and contains the following new statutory provisions: New definitions are included in the section: "Coverage denial determination" means an adverse determination

Schedule A Designation Petitions

USCIS Policy Manual, Vol. 6, Pt. E, Ch. 7 · Federal · Agency guidance

Agency Guidance › USCIS Policy Manual › Volume 6 - Immigrants › Part E - Employment-Based Immigration › USCIS Policy Manual, Vol. 6, Pt. E, Ch. 7

DOL has predetermined that the wages and working conditions of U.S. workers similarly employed will not be adversely affected by the employment of aliens in those occupations. … For example, the employer may require that the beneficiary possess an advanced degree even though the state only requires a bachelor’s degree to obtain licensure as a physical therapist.

Information and Guidance for Managing the Discovery of Electronically Stored Information

NLRB General Counsel Memorandum GC 07-09 · Federal · Agency guidance

NLRB General Counsel Memoranda › Information and Guidance for Managing the Discovery of Electronically Stored Information

The Agency attorney assigned to litigate the case 5 must assess the underlying facts and issues of the case and interview potential witnesses and other key players who are likely to possess relevant … destroyed; b) the employee is the subject of civil or criminal investigation or litigation; c) simply copying the relevant files provides an insufficient evidentiary trail; or d) an employee is an adverse

BSA Expectations Regarding Marijuana-Related Businesses

FinCEN Guidance FIN-2014-G001 · Federal · Agency guidance

FinCEN Guidance (alerts, advisories, notices, bulletins, fact sheets) › BSA Expectations Regarding Marijuana-Related Businesses

other illegal drugs or other illegal activity; • Preventing violence and the use of firearms in the cultivation and distribution of marijuana; • Preventing drugged driving and the exacerbation of other adverse … marijuana use; • Preventing the growing of marijuana on public lands and the attendant public safety and environmental dangers posed by marijuana production on public lands; and • Preventing marijuana possession

Consideration of Applicant’s Rebuttal Arguments and Evidence

MPEP § 2145 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 2100 - Patentability › MPEP § 2145

Rebuttal evidence may consist of a showing that the claimed compound possesses unexpected properties. Dillon, 919 F.2d at 692-93, 16 USPQ2d at 1901. … The inventor, Sullivan, discovered that F(ab) fragments are effective at neutralizing the lethality of rattlesnake venom, while reducing the occurrence of adverse immune reactions in humans.

CPSC OGC Advisory Opinion No. 322

CPSC OGC Advisory Opinion No. 322 (2008) · Federal · Agency guidance

CPSC Office of General Counsel Advisory Opinions › CPSC OGC Advisory Opinion No. 322

As such, they should not have to endure the adverse consequences that a retroactive interpretation of the lead requirements engenders, absent clear evidence that Congress intended to do so. … As such, they should not have to endure the adverse consequences that a retroactive interpretation of the lead requirements engenders, absent clear evidence that Congress intended to do so.

Framework for the Supervision of Insurance Organizations

SR 22-8 · Federal · Agency guidance

Federal Reserve SR/CA Letters › Framework for the Supervision of Insurance Organizations

• Model risk is the potential for adverse consequences from decisions based on incorrect or misused model outputs and reports. … • Model risk is the potential for adverse consequences from decisions based on incorrect or misused model outputs and reports.

Interagency Guidance on Credit Risk Review Systems

FDIC FIL-55-2020 · Federal · Agency guidance

FDIC Financial Institution Letters › Interagency Guidance on Credit Risk Review Systems

However, NCUA does support the use of these classifications, as defined by the other banking agencies, as an effective method for rating adversely classified loan risk. … In addition, qualified credit risk review personnel possess knowledge of relevant laws, regulations, and supervisory guidance.

Subprime Lending: Risks and Rewards

OCC Bulletin 1999-15 · Federal · Agency guidance

OCC Bulletins › Subprime Lending: Risks and Rewards

Risk management processes and analyses that promote understanding of the portfolio and early identification of adverse quality/performance trends. … Therefore, management should ensure that systems employed possess the capacity and level of detail necessary to accommodate subprime activity, and that data integrity is regularly tested.

Update to the FDIC’s Consumer Compliance Examination Manual

FDIC FIL-41-2025 · Federal · Agency guidance

FDIC Financial Institution Letters › Update to the FDIC’s Consumer Compliance Examination Manual

The lender found adverse information in the couple’s credit report. … Fair Lending — Fair Lending Laws and Regulations FDIC Consumer Compliance Examination Manual – December 2024August 2025 IV – 1.5 In certain cases where an agency already possesses information which

Public Charge Bonds: Maintaining, Substituting, and Canceling Bonds

USCIS Policy Manual, Vol. 8, Pt. G, Ch. 12 · Federal · Agency guidance

Agency Guidance › USCIS Policy Manual › Volume 8 - Admissibility › Part G - Public Charge Ground of Inadmissibility › USCIS Policy Manual, Vol. 8, Pt. G, Ch. 12

However, if the evidence USCIS possesses supports a finding of a breach, then USCIS should inform the obligor and an agent or co-obligor of USCIS’ intention to declare the bond breached by issuing a Notice … If the obligor’s response cannot overcome the adverse information, then USCIS issues the decision, informing the obligor and the agent or co-obligor and any representative and the alien and the alien’s

Processing Amendments Filed Under Article 19 and Article 34 Prior to or at the Start of International Preliminary Examination

MPEP § 1871 · Federal · Agency guidance

Agency Guidance › USPTO MPEP › Chapter 1800 - Patent Cooperation Treaty › MPEP § 1871

paragraph (a) may be a copy of the relevant sheet of the international application containing the alterations or additions, provided that the clarity and direct reproducibility of that sheet are not adversely … The IPEA starts the international preliminary examination when it is in possession of the demand; the required fees; if the applicant is required to furnish a translation under PCT Rule 55.2 , that translation

AZ Regulatory Bulletin 2014-04: 2014 Arizona Insurance Laws

AZ Regulatory Bulletin 2014-04 · Arizona · Agency guidance

Arizona Department of Insurance and Financial Institutions Bulletins › AZ Regulatory Bulletin 2014-04: 2014 Arizona Insurance Laws

defines: o “Enterprise Risk” to mean any activity, circumstance, event or series of events involving one or more affiliates of an insurer that, if not remedied promptly, is likely to have a material adverse … risk-based capital to fall into company action level as set forth in section 20-488.02 or would cause the insurer to be in hazardous financial condition pursuant to section 20-220.01 o have a material adverse